If you to a dealership to buy the it they will have many options to pay for the car. Most will be banks or captive finance companies (such as Ford Credit, General Motors Finance). If they give you a loan it holds just as much weight as going to the bank and getting the money.
The question main question is..can u go to YOUR bank and ask for a loan? Depending on the bank/credit union they may be able to give you a good rate. But if you are a 1st time buyer there are programs to get you started on your 1st real line of credit thru a bank or finance company..
point is: Don't always go with a Dealership, but at times the comapny the dealer is pointing you to can help you out a lot..for 1st time buyers...
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